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Sync Question

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adamkingadam
Regular Contributor

Sync Question

Thankfully my accounts have not been locked yet, but I was curiousm if they locked you out of your online account, how do they expect you to make payments if you are paperless and you always make payments online?

Starting Scores: 1/1/2016
EX 600 EQ 598 TU 610
Current Fico Scores (9/2016):EX: 674 EQ: 678 TU: 689
Message 1 of 16
15 REPLIES 15
Anonymous
Not applicable

Re: Sync Question

Push from your bank account

Message 2 of 16
adamkingadam
Regular Contributor

Re: Sync Question


@Anonymous wrote:

Push from your bank account


Even if auto-pay is not setup?

Starting Scores: 1/1/2016
EX 600 EQ 598 TU 610
Current Fico Scores (9/2016):EX: 674 EQ: 678 TU: 689
Message 3 of 16
ohreally7654
Established Contributor

Re: Sync Question


@adamkingadam wrote:

Thankfully my accounts have not been locked yet, but I was curiousm if they locked you out of your online account, how do they expect you to make payments if you are paperless and you always make payments online?


Well that is a great question. I thought of that, too, and actually called them this morning (I had all my accounts frozen last night after I added an AU to one of my cards earlier that day).  I asked them if they can tell me if a payment was set up for next week on my Walmart card (it's due on the 17th but always pay early).  Anyway, they told me after passing me to two different departments that due to the nature of the freeze on my accounts, they cannot even see that information! WHAT??!!!!!  Yeah, this is REALLY awesome Synchrony!!!  I mean, it's one thing to not be able to use your cards.  But to cut off access even to employees, to not be able to view any account information at all, this is really outrageous Smiley Mad

Started rebuilding 8/2015. Current Fico 8 Scores 9/17: TU FICO: 698 (from 646 3/15/16) | EX FICO: 689 (from 617 3/15/16) | EQ FICO: 670 (from 614 3/15/16). Discover Miles: $10K | Amex PRG | Amex BCE $2K | Amex SPG $2K | Citi Aadvantage $7K | JetBlue Plus MC $3.9K | Walmart MC $3.5K | Marvel MC $5K | NFCU CashRewards $15K | CareCredit $12K | PenFed Amex $9K | USAA Limitless Visa Sig $6K | NFCU goRewards $20K | NFCU Amex $10.4K | NavCheck $13.5K | Blispay $4K | QS $9.5K | Pier 1 $21.1K | RH $20.7K | JCrew $16.8K | Wayfair $4.9K | Pottery Barn $19.5K | Discover IT $4.1K | Nord. Visa Sig $22K | USAA Visa Plat $2.5K | Neiman Marcus $6.4k | Amex Delta Reserve $1k | Saks $15K | VS $2.2K | Target $1K | Macy's $25K | Bloomies Amex $25K| West Elm $12.4K | PP Credit (Comenity) $4.4K
Message 4 of 16
RonM21
Valued Contributor

Re: Sync Question

Hopefully, you won't have to worry about it, but it was a good question I hadn't thought about.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 5 of 16
Creditplz
Valued Contributor

Re: Sync Question

image.pngI actually owe $15 on my Ebates and I've tried paying it twice and they tell me they can't do it... I was told I should know the outcome of my accounts by Monday and it's not due till 7/22... But with Synchrony you never know... 

Message 6 of 16
Anonymous
Not applicable

Re: Sync Question


@adamkingadam wrote:

@Anonymous wrote:

Push from your bank account


Even if auto-pay is not setup?


Yeah you shouldn't need auto pay, depending on the bank.  You can go into bill pay and make one time payments, just input the account number, etc.

Message 7 of 16
ddemari
Super Contributor

Re: Sync Question

Or make a payment over the phone using your checking account?
Message 8 of 16
adamkingadam
Regular Contributor

Re: Sync Question


@RM21 wrote:
Hopefully, you won't have to worry about it, but it was a good question I hadn't thought about.

This all sounds like a pain in the .....  If they come for my paid Kohls card with a $300 limit that has never seen a CLI in 4 years, they can have it!  

Starting Scores: 1/1/2016
EX 600 EQ 598 TU 610
Current Fico Scores (9/2016):EX: 674 EQ: 678 TU: 689
Message 9 of 16
Anonymous
Not applicable

Re: Sync Question

pushing all cc payments from bank is far simpler than logging into numerous accounts and doing them individually.

Message 10 of 16
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